How Indexed Crediting Works, Year by Year

Fixed Indexed Annuity. Each year credits the S&P 500 price return, limited by the cap you enter below and a 0% floor. Set a cap to see how the strategy would have performed across two market decades. For context, turn on the bond comparison to see the bond market year by year alongside it.

10%
S&P 500 Cap
0%
Annual Floor
Zero Annual Fees
%
Credited rate each year is the lesser of the S&P 500 price return and your cap, never below 0%.
$
%
Standard is 0%.
Off
Show the Bloomberg U.S. Aggregate Bond Index year by year.

Strong Market Decade

2016 to 2025. A favorable stretch for the S&P 500.
7.88%
annualized credited rate

Challenging Market Decade

2007 to 2016, including the 2008 downturn.
6.21%
annualized credited rate
With no annual fees, a 0% crediting year (shaded) holds the account value perfectly flat. Nothing is deducted, and the floor turned every market downturn, including 2008, into a year of zero loss.